RSPCA Pet Insurance

Compare 3 levels of pet insurance and cover up to $11,000 in veterinary bills with RSPCA.

Because each pet owner has different needs and wants when it comes to looking after their furry friend, RSPCA Pet Insurance offers three different cover options. These plans are the Basic Accident Only Cover plan, the Economy Accident & Illness Cover plan and the Ultimate Accident & Illness Cover plan. Each cover option provides a different level of cover so that customers can find a policy that suits both their cover needs and their budget. To top it all off, a portion of your premiums go to the RSPCA to support them in helping other Australian animals.

Read on to learn about your policy options.

Ready to compare pet insurance policies?

	Details	Features
Ultimate Cover (Accident & Illness)	Get up to $11,000 cover every year on eligible bills. Benefit from a 10% multi-pet discount.	$11,000 annual claim limit Up to 80% of eligible vet bills back* No excess Premiums go towards supporting the RSPCA Optional routine care cover	Get Quote More info
Economy Cover (Accident & Illness)	Get reimbursed for up to 75% of eligible vet bills. A 10% multi-pet discount applies to every additional pet covered.	Claim up to $11,000 per year Up to 75% of eligible vet bills back* No execss 10% multi pet discount Premiums go towards supporting the RSPCA	Get Quote More info
Basic Cover (Accident only)	No upper-age limit means you can protect your pet for life. Get covered for up to 80% of eligible vet bills.	Claim up to $7,000 per year Up to 80% of vet bill covered for eligible accidental injuries* No excess 10% multi pet discount Premiums go towards supporting the RSPCA	Get Quote More info

Compare policy features

For a better idea of the exact protection offered under each plan, compare features in the table of benefits below:

What cover options does RSPCA offer?

• RSPCA Accident Only Cover
• RSPCA Economy Accident and Illness Cover
• RSPCA Ultimate Accident and Illness Cover

Other benefits of RSPCA's Pet Insurance

RSPCA's Pet Insurance has a range of other benefits at no added cost. These include:

• Emergency Boarding. If you are the sole carer of your pet and you are hospitalised for more than five consecutive days, your policy will cover the cost of boarding your pet at a licensed kennel or cattery. However, you won’t be covered if you are hospitalised due to pregnancy, cosmetic surgery or a pre-existing condition.
• Essential Euthanasia. If your vet deems that it is a humane and essential course of action to have your pet put down, the cost involved will be covered by your insurance policy. Non-essential euthanasia and the burial or cremation of your pet are not covered.
• Paralysis Tick Benefit. If your pet requires treatment for tick paralysis, the cost of this will be covered by your policy up to the benefit limit. However, keep in mind that tick preventative treatments are not included in your policy.
• Pet Overseas Travel Insurance. If your pet is travelling abroad with you and requires treatment while overseas, your RSPCA Pet Insurance policy can provide cover for the resulting vet expenses. However, you won’t be covered if your pet will be outside Australia for more than 60 consecutive days.

What additional cover options are there?

If you’d like to take out an increased level of cover for your furry friend, the routine care option may offer the protection you desire. Designed to promote responsible pet ownership, this benefit is designed to help you cover the cost of routine preventative healthcare treatments for your pet. This includes:

• $15 a year for heartworm test or blood screen
• FeLV/FIV test or urinalysis – $15 a year
• a $50 annual benefit for one of the following routine treatments: desexing, microchipping, preventative heartworm medication, teeth cleaning, vaccinations, dewclaw removal, council registration fees, prescription diets, alternative therapies, health checks.

Dog Insurance

Every dog lover wants to give their pooch the best possible care and veterinary treatment — when you consider all the love and joy they bring into our lives, it really is the least we can do. With an RSPCA Dog Insurance policy in place, you won’t have to compromise when it comes to giving your dog the treatment they need.

With RSPCA Pet Insurance, you can take out cover for up to 80% of your pet’s eligible vet bills, up to an annual limit of $11,000. This means you won’t have to think twice when it comes to choosing a treatment option for your four-legged friend.

Once your dog is insured, you can continue to renew coverage for the rest of their life. There’s also a 10% discount when you insure more than one pet and RSPCA Pet Insurance prides itself on providing a fast and stress-free claims process.

RSPCA offers three different policies to suit a range of needs.

• RSPCA Basic Accident Only Cover
• RSPCA Economy Accident & Illness Cover
• RSPCA Ultimate Accident & Illness Cover

Cat Insurance

Though it’s often said that cats always land on their feet, this isn’t necessarily true. Illness and injury can wreak havoc on your kitty's health, which can result in some significant damage to your hip pocket. But if you have RSPCA Cat Insurance, you’ll be able to enjoy much-needed financial protection and the freedom to give your pet the best* possible care.

You are able to take your cat to any licensed vet within Australia for treatment, while there’s a 10% discount available when you insure more than one pet. The claims process is quick and stress-free, and a portion of your premiums go to the RSPCA to help them provide protection for all creatures great and small across Australia.

Benefits

• Choice. You can choose from three cover options to suit your needs and budget.
• Cover. Get back up to 80% of your eligible vet bills.
• Maximum Benefit. An annual benefit limit of $11,000 will help you take care of the expensive cost of treatment, while the fact that you don’t have to pay an excess helps keep more money in your pocket.

What exclusions are there?

Just like any other insurance policy, RSPCA Pet Insurance contains a list of general exclusions. Your claim will not be paid if it is a result of:

• any pre-existing conditions
• dental procedures, dental diseases, teeth fractures, gingivitis and teeth cleaning
• the cost of pet food, regardless of whether it is regular food or a prescription diet
• vitamin and mineral supplements
• preventative veterinary procedures, such as vaccinations, anal gland expression and parasite control
• grooming and bathing of your dog or cat
• accessories for your pet, such as crates, bowls, bedding and collars
• the cost of training, socialisation and any therapy for your pet. Alternative therapies are also not covered
• treatment while your pet is used for commercial or occupational purposes, such as racing or law enforcement. Guide Dogs and assistance Dogs are exempt from this exclusion
• treatment for behaviour problems such as anxiety disorders and phobias
• cell-replacement therapies
• medication that is not approved or listed by the APVMA (Australian Pesticides and Veterinary Medication Authority)
• you deciding to pursue a course of treatment other than that recommended by your vet
• breeding or obstetrics
• ambulance fees and non-essential hospitalisation
• house calls from your vet except in emergency situations
• organ transplant surgery or prosthetic limbs
• routine examinations, hip and elbow scoring, elective treatments
• a malicious act or deliberate injury caused by you
• your failure to take all reasonable steps to protect your pet.

Ensure you read the PDS in detail if you are concerned about any exclusions.

RSPCA Pet Insurance FAQs

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_{* - Pre-existing conditions are excluded and sub-limits may apply.}